Download the
Paisabazaar app Today!
Paisabazaar app Today!
Get instant access to loans, credit cards, and financial tools — all in one place
Win Assured Cashback
Talk to Expert
Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616
Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
Scan to download on
-
Personal Loan
-
Business Loan
-
Home Loan
-
Other Loans
Overview
By Amount
By Type
By Need
Overview
By Schemes
By Need
By Profession
Overview
By Amount
By Schemes
By Profession
Loan Types
Overview
By Category
Bonds
Fixed Deposit
Mutual Funds
Know Your Score
Investment Calculator
Loan EMI Calculator
Loan Eligibility Calculator
By Category
Sign in
Sign in
Talk to Expert
Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616
Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
Suryoday Small Finance Bank
Suryoday Bank RuPay Credit Card
Fd-backed
Cashback
1st Year Fee: ₹ 0
No Fee
Lifetime fee with zero joining & annual fees
Cashback Benefit
0.5% cashback across all spends
Lounge Access
Up to 8 domestic lounge visits per year
Find Best Credit Card Offers
It hardly takes 2 minutes
+91
0 /10 Digits
The entered number doesn't seem to be correct
By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
About Suryoday Bank RuPay Credit Card
Suryoday Bank RuPay Credit Card is a virtual FD-backed credit card offered on the RuPay network. It is a lifetime free card with no joining or annual fee and is available in both RuPay Platinum and RuPay Select variants. The card offers 0.5% cashback on all transactions, including UPI spends, making it a suitable option for everyday spends. Additionally, it comes with complimentary airport lounge access, a benefit that is not commonly offered on lifetime free FD-backed credit cards.
While the virtual card is offered free of cost, cardholders are required to pay an additional fee to opt for the physical card. Consumers can further maximize their benefits by opting for the RuPay Select variant against an FD amount of Rs. 1.15 Lakh or above. In case the FD amount is below Rs. 1.15 Lakh, the RuPay Platinum variant is offered. Read on to know more about the features and benefits of this RuPay Credit Card.
Features & Benefits
Cashback Benefits
- 5% cashback on all eligible transactions, including UPI spends, capped at Rs. 3,000 per month1
Airport Lounge Access
- Up to 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter
Insurance Benefits
- Personal accidental insurance & permanent disability cover of up to Rs. 2 Lakh with RuPay Platinum Card & up to Rs. 10 Lakh with RuPay Select Card
RuPay Network Benefits
- Complimentary gym membership, spa & salon coupons, golf sessions and health check-ups via RuPay Select Card
Suryoday Bank RuPay Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining/Annual Fee | Nil |
| Finance Charges | 2.95% p.m. (35.40% p.a.) + GST |
| Late Payment Fee | 1% of the amount payable or Rs. 250, whichever is lower + GST |
Things to Know Before you apply
Get this card if
You are new to credit and want to start your credit journey
You want a credit card offering cashback on day-to-day UPI spends
You are looking for a lifetime free credit card with basic lounge access benefits
You can open an FD of more than Rs. 1.15 Lakh to maximize benefits through RuPay Select
Paisabazaar Review
What do we like about this card?
Suryoday Bank RuPay Credit Card is an instant virtual FD-backed credit card that offers straightforward cashback on all spends, including UPI transactions, making it suitable even for small everyday purchases. Cardholders can avail this lifetime free card against a fixed deposit with no joining or annual fee. Despite being a lifetime free card, it also offers complimentary airport lounge access without any spend-based condition. However, cardholders can maximize the overall benefits and RuPay Select privileges only by maintaining an FD amount of Rs. 1.15 Lakh or above.
Pros
- Lifetime free card with no joining or annual fee
- Up to 8 complimentary domestic airport lounge visits per year
- Exclusive benefits and privileges with the RuPay Select variant
- Cashback on all transactions, including UPI spends
- Available in both virtual and physical card variants
Cons
- Cashback is capped at Rs. 3,000 per month
- Low cashback rate of 0.5% compared to other cards
- Minimum FD amount of Rs. 1.15 Lakh required to avail RuPay Select benefits
- Physical card is chargeable
Frequently Asked Questions
Everything you need to know about this credit card
Yes, the card is initially issued as an instant virtual credit card. However, cardholders also have the option to apply for a physical card by paying the applicable charges.
Yes, this FD-backed secured credit card is be a suitable option for first-time credit users or consumers looking to build their credit profile, as it is issued against a fixed deposit and does not require a prior credit history.
Yes, the card offers 0.5% cashback on eligible transactions, including UPI spends made through linked UPI apps.
The card is offered in both RuPay Platinum and RuPay Select variants. Consumers maintaining an FD of Rs. 1.15 Lakh or above are eligible for the RuPay Select variant, while lower FD amounts are issued under the RuPay Platinum variant.
No, the complimentary domestic airport lounge access benefit is offered without any spend-based eligibility criteria.
Yes, since the card is issued on the RuPay network, it can be linked to compatible UPI apps for making merchant payments.
Footnotes
- Exclusions: Wallet and financial services, govt. utilities and essential services, investments, real estate, insurance, education, fuel, transport, charities and donations.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
Trending Articles on Credit Cards
Explore other Card Categories
Explore Cards from Leading Issuers
HSBC Bank
HDFC Bank
SBI Cards
American Express
ICICI Bank
Kotak Mahindra Bank
Axis Bank
Standard Chartered Bank
YES BANK
RBL Bank
IndusInd Bank
IDFC FIRST Bank
AU Small Finance Bank
Federal Bank
BOBCARD
Punjab National Bank
SBM Bank
Canara Bank
Equitas Small Finance Bank
IDBI Bank
Indian Bank
DBS Bank
Bank of India
DCB Bank Limited
Suryoday Small Finance Bank
Unity Small Finance Bank
CSB Bank
Utkarsh Small Finance Bank
Bajaj Finserv
Bank of Maharashtra
Central Bank of India
J&K Bank
UCO Bank
Union Bank of India
Nainital Bank
Tamilnad Mercantile Bank
Menu
